{"id":401150,"date":"2026-11-12T17:00:41","date_gmt":"2026-11-12T11:30:41","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=401150"},"modified":"2026-11-12T17:15:29","modified_gmt":"2026-11-12T11:45:29","slug":"ncdrc-waaree-energies-bajaj-allianz-delayed-written-version","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2026\/11\/12\/ncdrc-waaree-energies-bajaj-allianz-delayed-written-version\/","title":{"rendered":"NCDRC: Insurer&#8217;s internal coordination and administrative requirements no ground for condonation of delay; Explanation held to be an excuse"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">National Consumer Disputes Redressal Commission:<\/span> In an application filed by Bajaj Allianz General Insurance Co. Ltd. (opposite party) seeking condonation of delay of 13 days in filing of the reply and praying to take it on record, A.P. Sahi (President) and Bharatkumar Pandya (Member), JJ., held that service of notice at the Prabhadevi, Mumbai address specified in the insurance policy was valid, notwithstanding the insurer&#8217;s contention that its Sion office was the actual dealing office. It further held that internal coordination and administrative requirements did not constitute sufficient cause to extend the statutory period for filing the written version beyond 45 days.<\/p>\n<p style=\"font-weight: bold;\">Background<\/p>\n<p style=\"margin-bottom: 3%;\">Waaree Energies Ltd. instituted a consumer complaint against Bajaj Allianz General Insurance Co. Ltd. The notice in the complaint was issued on 24 November 2025 and, according to the office report, was served on the insurer on 6 November 2025 at its Prabhadevi, Mumbai address. The insurer filed its written version on 23 January 2026 along with an application seeking condonation of delay. The insurer contended that the Sion office was the dealing office in relation to the claim and that the complaint and notice had been forwarded there from the Prabhadevi office, reaching it on 10 December 2025. It sought computation of the limitation period from that date.<\/p>\n<p style=\"font-weight: bold;\">Analysis<\/p>\n<p style=\"margin-bottom: 3%;\">The Commission noted that the Prabhadevi address was the only address specified in the insurance policy for correspondence by policyholders, including communications relating to claims, service requests, notices and summons. No material had been placed on record to establish that the address had been changed or that the insurer had informed the complainant of any such change.<\/p>\n<p style=\"margin-bottom: 3%;\">The Commission also found that the insurer had not produced the courier receipt establishing when the notice was dispatched from the Prabhadevi office to the Sion office. The Commission observed that the insurer&#8217;s own affidavit acknowledged that the notice had been forwarded from Prabhadevi to Sion. This supported the conclusion that service had already taken place at the Prabhadevi address on 6 December 2025.<\/p>\n<p style=\"margin-bottom: 3%;\">Referring to Section <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-9000214274\" target=\"_blank\">65(4)<\/a>, <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-9000214317\" target=\"_blank\">Consumer Protection Act, 2019<\/a>, and the definition of &#8220;place of business&#8221; under the Insurance Regulatory and Development Authority of India (Places of Business) Regulations, 2015, the Commission held that the Prabhadevi address remained the relevant place of business and place of contact for service of notice as per the unaltered terms of the policy, and that the cause of action arose where the contract was entered into. Mere correspondence with the Sion office in connection with the claim could not establish a change in the address designated under the policy.<\/p>\n<p style=\"margin-bottom: 3%;\">The Commission further rejected the insurer&#8217;s explanation that additional time was required for collecting documents, obtaining instructions from different offices and securing internal approvals. Relying on <span style=\"font-style: italic;\">Sheo Raj Singh v. Union of India<\/span>, <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-9001767496\" target=\"_blank\">(2023) 10 SCC 531<\/a>, it reiterated the distinction between an explanation and an excuse, holding that the grounds advanced by the insurer did not constitute a satisfactory explanation for the delay.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court said <span style=\"font-style: italic;\">&#8220;The explanation given in the delay condonation application overlooks the mandatory requirements of completion of instructions and filing of written versions within the stipulated period and therefore such an explanation as offered by the O.P. cannot be accepted. The filing of the written is therefore barred by time, the consequences whereof result in foreclosure and forfeiture. &#8220;<\/span><\/p>\n<p style=\"font-weight: bold;\">Decision<\/p>\n<p style=\"margin-bottom: 3%;\">The Commission rejected the application for condonation of delay and, consequently, rejected the insurer&#8217;s written version as time-barred, applying the Constitution Bench ruling in <span style=\"font-style: italic;\">New India Assurance Co. Ltd. v. Hilli Multipurpose Cold Storage<\/span>, <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-9000628387\" target=\"_blank\">(2020) 5 SCC 757<\/a>.<\/p>\n<p style=\"margin-bottom: 3%;\">However, it clarified that rejection of the written version would not prevent the insurer from participating in the complaint proceedings. The complainant was granted four weeks to file its affidavit of evidence, and the parties were directed to file their written synopses within 6 weeks. The complaint was directed to be listed on 16 March 2027.<\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\"><span style=\"font-style: italic;\">Waaree Energies Ltd.<\/span> v. <span style=\"font-style: italic;\">Bajaj Allianz General Insurance Co. Ltd.<\/span>, NCDRC, NC\/CC\/148\/2025, order dated 9-11-2026<\/span>]<\/p>\n<p style=\"margin-bottom: 3%; text-indent: 18pt; border: 2px solid black; border-radius: 10px; text-align: center; width: 50%; margin-left: auto; margin-right: auto; background-color: #DCDCDC;\"><strong><span style=\"color: #000080;\">Justice A.P. Sahi (President)<\/span><\/strong><\/p>\n<hr\/>\n<p>Advocates who appeared in this case:<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the complainant:<\/span> Saurav Agarwal, Himanshu Satija, Ripul Swati, Tushar Nain and Pulkit Khanduja, Advocates.<\/p>\n<p style=\"margin-left: 18pt; margin-bottom: 3%;\"><span style=\"font-weight: bold;\">For the opposite party:<\/span> Jayant Mehta, Senior Advocate with Anandh Venkataramani, Saket Satapathy, Naval Sharma and Nikita Sharma<\/p>\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Editorial note:<\/span> The order records the application as seeking condonation of a 13-day delay. However, the Commission&#8217;s finding rests on service on 06-12-2025 and expiry of the statutory 45-day period on 20-01-2026, with the written version filed on 23-01-2026. The headnote therefore avoids characterising the delay as exactly 13 days and focuses on the Commission&#8217;s operative finding that the written version was filed beyond the permissible period.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">Neither of the documents indicate any change in the address of communication for summons and notices which remain intact under the policy schedule at the Prabhadevi Mumbai office.<\/p>\n","protected":false},"author":67516,"featured_media":401161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,11],"tags":[119549,119550,119552,119547,119548,119551],"class_list":["post-401150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-45-day-limit-for-written-version","tag-condonation-of-delay-in-consumer-complaint","tag-new-india-assurance-v-hilli-multipurpose-cold-storage","tag-section-382-consumer-protection-act-2019","tag-section-654-consumer-protection-act","tag-service-of-notice-at-insurance-policy-address"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>NCDRC Rejects Bajaj Allianz&#039;s Delayed Written Version in Waaree Energies Case<\/title>\n<meta name=\"description\" content=\"NCDRC holds that service at the address specified in the insurance policy was valid and rejects Bajaj Allianz&#039;s delayed written version beyond the 45-day statutory limit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2026\/11\/12\/ncdrc-waaree-energies-bajaj-allianz-delayed-written-version\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCDRC: Insurer\u2019s internal coordination and administrative requirements no ground for condonation of delay; 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